Take a look at some of the policies Hospitality Insurance Group wrote in November 2017 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

North Carolina
Coverage: GL & LL
Limits: 1M/1M/2M
Total Sales: $3,783,590
Liquor to Food Sales Ratio: 61%
Endorsements: GL A&B, Property Damage
Discounts Applied: Alcohol Awareness Training + Membership Credit
Total Premium: $63,182

Take a look at some of the policies Hospitality Insurance Group wrote in October 2017 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

Type of Establishment: Restaurant, New Bedford, MA
Coverage Needed: Liquor Liability
Limits: 250/500/500
Total Sales: $400,000 (Liquor) + $400,000 (Food) = $800,000 Total
Liquor to Food Sales Ratio: 50%
Endorsements: None
Discounts Applied:
Alcohol Training Credit
Total Premium: $5,360

Type of Establishment in Harrisville, RI
Coverage Needed: Liquor – Optional GL A&B – Property Damage
Limits: 1M/1M/2M
Total Sales: 989,657
Liquor to Food Sales Ratio:36%
Endorsements: Additional Insured
Discounts Applied:
– Alcohol Awareness Training- Yes
– Elite Discount Applied
Total Premium: $3698

North Carolina
Live Entertainment
Coverage: LL
Limits: 1M/1M/2M
Total Sales: $2,000,000
Liquor to Food Sales Ratio: 45%
Endorsements: GL A&B Property Damage
Discounts Applied: Alcohol Awareness Training + Membership Credit
Total Premium: $6,084

If you are an Independent Insurance Agent, click here to learn more about working with Hospitality Insurance Group to provide liquor liability insurance to your customers.

If you are a business owner looking for liquor liability insurance coverage, click here to contact one of our preferred Independent Insurance Agents or find answers to some of your frequently asked questions about our insurance coverage here.

September 2017 Liquor Liability Policies

Take a look at some of the policies Hospitality Insurance Group wrote in September 2017 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

Wine & Chocolate Tasting One-Day Temporary Event Boston
Limits: GL & LIQ 1M/1M/2M
Bartending Service in NH Mono-Line LIQ
New Venture with prior experience
Limits: 1M/1M/2M
Premium: $1,277

Social Club in Littlestown, PA
Coverage Needed:
Limits: 1M/1M/2M
Total Sales:$745K
Liquor to Food Sales Ratio: 66%
Endorsements: GL A&B Buy back
Discounts Applied:
– Alcohol Awareness Training
– PA Taverns Membership Discount
Total Premium: $9,438

Bar/Tavern in Lawrence, MA
Coverage Needed: Package with Liquor
Limits: CP: Business Personal Property $200,000 with ACV at 80% co-insurance; GL; 1M/2M; LL: 500/1M
Total Sales: $80,000 Liquor + $20,000 Food = $100,000
Liquor to Food Sales Ratio: 80%
Endorsements: LL: GL A&B Endorsement and Property Damage
Discounts Applied: Alcohol Awareness Credit;
Total Premium: $5,752 (CP $2,930 + LL $2,822) = $5,752

July 2017 Liquor Liability Policies

Take a look at some of the policies Hospitality Insurance Group wrote in July 2017 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

Bar / Billiard Hall in Worcester, Mass
Coverage Needed: GL and LL
Limits: 1M/1M/2M for both GL and LL
Total Sales: $520,000 total sales for bar with an additional $130,000 in sales for the billiard portion
Liquor to Food Sales Ratio: 70%
Endorsements: GL A&B and Additional Insured on GL policy
Discounts Applied: TIPS & MRA
Total Premium: $2,895 for GL and $12,332 for LL = $15,227

Restaurant in Newport, RI
Coverage Needed: Liquor Liability
Limits: 1M/1M/2M
Total Sales: $1,435,796
Liquor to Food Sales Ratio: 42%
Endorsements: Optional GL A&B,Property Damage
Discounts Applied:
– Alcohol Awareness Training
– Membership Credit
– Elite Discount Applied
– Loss Free Credit
Total Premium: $6470
 

Craft Beer Establishment with 2 Locations in North Carolina
Live Entertainment
Coverage:  GL & LL
Limits:  1M/1M/2M
Total Sales:  $2,800,000 Clayton/$2,600,000 Garner
Liquor to Food Sales Ratio:  35% Clayton/37% Garner
Endorsements:  GL A & B,  Property Damage
Discounts Applied:
Alcohol Awareness Training
ELITE Discount
Membership Credit (North Carolina Restaurant Lodging Association)
Total Premium:  $25,927

June 2017 Liquor Liability Policies

Take a look at some of the policies we wrote in June of 2017 at Hospitality Insurance Group including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

Restaurant & Marina in Fall River
Mono-line Liquor
Limits: 1000/1000/2000
Total Sales: $7,178,410
Liquor Ratio: 32%
Alcohol Awareness & MRA Discount
Premium $24,133

New Venture Restaurant in Brighton, MA
GL, Property and Liquor
Limits: 1000/1000/2000 LIQ; 1000/2000 GL, Property TIV (w/enhancement) $2,150,000
Total Sales: $1,000,0000
Liquor Ratio: 30%
Alcohol Awareness & MRA
Premium: $15,511

4th Restaurant Location in State College, PA.
Coverage Needed: Package and LL
Limits: CP: $2.3M in BPP; $300K in BPP
GL:$1M/$2M
LL:$1M/$1M/$2M
Total Sales: $3.5M
Endorsements: with GL A&B Coverage and 3 Additional Insureds
Discounts Applied: PA Taverns Association Discount
Total Premium: $24,388

Bar in North Carolina
Coverage Needed: Liquor Liability
Limits: 1M/1M/2M
Total Sales: $400,000
Liquor to Food Sales Ratio: 75%
Endorsements: CGL A & B and Property Damage
Discounts Applied: Alcohol Awareness Membership Credit (North Carolina Restaurant Lodging Association)
Total Premium: $4,370

Restaurant, Salem, MA
Coverage Needed: GL and LL
Limits: GL: 1M/2M and LL: 1M/2M
Total Sales: $1,000,000
Liquor to Food Sales Ratio: 50%
Endorsements: GL A&B on Liquor
Discounts Applied: Liquor: Elite, MRA, TIPS
Total Premium: $ $7,427 LL and $3,923 GL – $11,350 for both

Restaurant, Boston, MA
Coverage Needed: GL and LL
Limits: GL: 1M/2M and LL: 1M/2M
Total Sales: $2,800,000
Liquor to Food Sales Ratio: 29%
Endorsements: GL: Hired and Non-Owned Auto; LL: GL A&B and Property Damage
Discounts Applied: Liquor: TIPS and MRA
Total Premium: $ $7,712 LL and $8,494 GL – $16,206 for both

Restaurant, Avon, CT
Coverage Needed: LL
Liquor Limits: 1M/1M/2M
Total Sales $1,200,000
Liquor /Food Ratio: 25%
Endorsements: Optional GL A&B, Property Damage
Discounts Applied: Alcohol Awareness Training
Total Premium for Liquor: $3390

Restaurant, Narragansett, RI
Coverage Needed: Liquor
Liquor Limits:1M/1M/2M
Total Sales $600,000
Liquor /Food Ratio: 53%
Endorsements: Optional GL A&B
Discounts Applied: Loss Free Credit, Alcohol Awareness Credit
Total Premium for Liquor: $5341

Take a look at some of the policies Hospitality Insurance Group wrote in May of 2017 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

Restaurant in Boston, Mass
Coverage Needed: General Liability and Liquor Liability
Limits: 1M/1M/2M Liquor Liability and 1M/2M General Liability
Total Sales: $2,800,000
Liquor to Food Sales Ratio: 29%
Endorsements: General liability: Hired and Non-Owned Auto; Liquor Liability: GL Assault & Battery Endorsement and Property Damage Endorsement
Discounts Applied: Alcohol Awareness Credit and Mass Restaurant Association
Total Premium: $16,206

Racing Themed Sports Bar Millis, MA
Mono-Line Liquor
1000/1000/2000
$1,347,000 gross receipts
56% Liquor
MRA and Elite discount applied
Annual Premium: $12,041

Mexican Restaurant in Nashua, NH
Mono-Line Liquor
1000/1000/2000
$1,260,000 gross receipts
Optional GL A&B Endorsement
Annual Premium: $10,272

Irish Pub in Winston Salem, NC
Coverage: CP, GL, LL & Excess
Limits: 1M/1M/2M
Total Sales: $2,022,000
Liquor to Food Sales Ratio: 45%
Endorsements: GL A & B, Property Damage, Property Enhancement
Discounts Applied:
Alcohol Awareness Training
North Carolina Restaurant Lodging Association Membership Credit
Total Premium: $20,554

Liquor Liability – Special Event – Bar Mitzvah
Washington Crossing, PA
Limits 1M/1M/2M
# of Attendees 70
Total Premium $416

General Liability & Liquor Liability- New Venture
Westbrook, CT
GL Limits 1M Each Occur/ 2M Aggregate    LL Limits 1M/1M/2M
$750,000 Total Sales
33% Liquor Ratio
Discounts Applied – Alcohol Awareness
GL Premium: $4090
LL Premium: $4341
Total Premium: $8431

Take a look at some of the policies we wrote in April 2017 at Hospitality Insurance Group including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium.

Restaurant in Gloucester, Massachusetts
General Liability & Liquor Liability Coverage
Limits of 1M/2M
Discounts Applied:
– Member of MA Restaurant Association
– Alcohol Training Credit
– Elite Discount Applied
– Live Entertainment
GL A&B and Property Damage
Total Sales: $1,661,794
Liquor to Food Sales Ratio: 26%
Total Premium: $10,485

Restaurant in Jamaica Plain, MA
Liquor Liability Coverage
Limits of 1M/2M
Discounts Applied:
– Member of MA Restaurant Association
– Alcohol Training Credit
– Elite Discount Applied
GL A&B and Property Damage
Total Sales: $700,000
Liquor to Food Sales Ratio: 50%
Total Premium: $8,418

Catering in Provincetown, Massachusetts:
Liquor Liability Coverage
Limits of 500/1M
– Live Entertainment
– Did Not Have Alcohol Training Credit
Total # of Adult Attendees: 2,250
Total Premium: $1,746

Bar in Boone, North Carolina
CP w/Liquor & Excess
1M/1M/2M
Total Sales: $750,000
Liquor to Food Sales Ratio: 50%
GL A & B Endorsement
Property Enhancement
Discounts Applied:
– Alcohol Training Credit
Total Premium: $14,642

Restaurant in Charlotte, North Carolina w/Liquor & Excess, 1M/1M/2M
Total Sales: $1.6M
Liquor to Food Sales Ratio: 48%
GL A & B Endorsement
Property Damage Endorsement
Discounts Applied:
– Alcohol Awareness Training
– Membership Credit (NCRLA)
– Elite Discount Applied
Total Premium: $14,887

Restaurant in Randleman, North Carolina
CP w/Liquor, 1M/1M/2M
Total Sales: $540K
Liquor to Food Sales Ratio: 40%
GL A & B Endorsement
Live Entertainment
Property Damage Endorsement
-Hired/Non-Owned Auto
Discounts Applied:
– Alcohol Training Credit
– Elite Discount Applied
Total Premium: $4,819